Corner Bakery Cafe
The total investment to open a Corner Bakery Cafe franchise ranges from Up to $1.1M. The initial franchise fee is $40,000. Ongoing royalties are 5% plus a 1.25% advertising fee.
What is the Corner Bakery Cafe franchise?
Corner Bakery Cafe is a cafe where customers can buy breakfast and lunch, including sandwiches, salads, baked goods and coffee. Its customers include people looking for a meal or a coffee in a cafe setting.
The 2026 Franchise Disclosure Document lists an initial franchise fee of $40,000, a royalty of 5 percent of sales and an advertising or brand fund fee of 1.25 percent. The franchise agreement term is 20 years. Corner Bakery Cafe is headquartered in CO, was founded in 2001 and began franchising in 2024.
Loan Activity Score
24/100
SBA Default Rate
16.7%
Active Lenders
6
Franchisees account for 32 of Corner Bakery Cafe's 99 locations. Public SBA loan records show 6 lenders made 6 loans to franchisees of Corner Bakery Cafe. PeerSense calculates Corner Bakery Cafe's score as 24 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 2001 · 99 locations
Up to $1.1M
$40,000
99
32 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Corner Bakery Cafe
6
Total SBA loans
$1.3M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Corner Bakery Cafe
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
16.7%
vs 10.3% peer avg
SBA Loans
6
Total Volume
$7.7M
Active Lenders
6
States
3
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Corner Bakery Cafe based on SBA lending data
SBA Default Rate
16.7%
6.4% above peer avg
SBA Loan Volume
6 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.0 loans per lender
Investment Tier
Significant investment
$0 to $1,130,000 total
Corner Bakery Cafe: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2015
2 approvals. The best year on record for Corner Bakery Cafe.
Top SBA State
Colorado
3 SBA financed Corner Bakery Cafe locations, the densest operator footprint.
Average Loan Size
$1.1M
Median $1.3M. Use as a sizing anchor when modeling your own Corner Bakery Cafe unit.
Lender Concentration
37.5%
Moderately Spread
Share of Corner Bakery Cafe approvals captured by the top 3 SBA lenders.
Corner Bakery Cafe's SBA lending pipeline peaked in 2015 (2 approvals). Operator density is highest in Colorado with 3 SBA financed locations. Average funded ticket sits at $1.1M, with the median at $1.3M. Lender mix is moderately spread: the top three SBA lenders account for 37.5% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Corner Bakery Cafe, unit breakdown
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman